Case Analysis Of PICC P&C And Xinhu Ruifeng's "Insurance+Futures" Model

China is a big agricultural country,the importance of agricultural stability and development to China's economic development is self-evident.But agriculture is another industry that is more affected by climate,so the fluctuation of agricultural output and price in different years is inevitable.On the other hand,with the reform of China's agricultural product pricing mechanism,the price fluctuation of agricultural products also makes farmers who rely on agricultural products as the main source of income for a long time face greater risks.In order to stabilize the price of agricultural products and ensure the stability of farmers' income.The first document of2020 put forward,do a good job of agricultural insurance premium subsidy policy implementation,urge insurance institutions to settle claims in full and on time.Optimizing Insurance Futures "pilot model,continue to promote the listing of agricultural futures options varieties.It can be seen that the central government attaches importance to the promotion of"insurance futures" pilot projects.In this context,there are 10 insurance and 50 futures institutions to carry out the "insurance futures" pilot business for different agricultural products.This paper selects Shanghai Xinhu Ruifeng Financial Service Co.,Ltd.and Shanxi Branch of China people's property Insurance Co.,Ltd.,the operation mode of Shanxi first single apple "insurance futures" pilot project in Danning County,Linfen City,Shanxi Province as a typical case,summarizes and analyzes the experience and lessons of the pilot project,in order to provide suggestions for further promoting and perfecting the "insurance futures" business.Shanghai Xinhu Ruifeng Financial Services Co.,Ltd.,a risk subsidiary of Xinhu Futures Co.,Ltd.,has been exploring the use of futures and options tools to better serve the "three rural areas" since 2014,taking the lead in the lead in putting forward the "secondary point price recovery" Model,find out the problems and make some feasible suggestions.Through the above analysis,the success of the case lies in the rapid expansion of the "insurance futures" model using its replicable and popularized professional advantages,but there are many defects in the commercialization model.In the course of the research,this paper takes the apple "insurance futures" project as the research object,analyzes the operation mode of this aspect,and further summarizes the operation mode of the "insurance futures" project,whichcan be helpful to the agricultural development of our country under the condition that the development of "three rural" is regarded as the key supporting project in China at present.